Retail Installment Contract - Furniture Financing

Streamline Your Furniture Financing with Paperform

If you're a furniture retailer, home goods store, or showroom looking to offer customer financing, this Retail Installment Contract template gives you everything you need in one seamless digital experience. Built specifically for furniture stores that want to close more sales by offering flexible payment options, this template handles product selection, credit applications, delivery coordination, and promotional financing terms—all without customers having to fill out messy paper forms or wait days for approval.

Why furniture retailers choose this template

Offering financing isn't just about saying "yes" to more customers—it's about making the entire purchase-to-delivery journey smooth enough that customers actually complete it. This template is designed for:

• Furniture and mattress stores that want to compete with big-box retailers by offering 0% APR and promotional financing
• Home goods retailers moving customers from browsing to buying with transparent payment terms
• Showroom and boutique furniture brands that need an on-brand, professional financing experience
• E-commerce furniture sellers who want to embed financing options directly into their sales funnel

What's included in this template

This isn't just a credit application—it's a complete retail installment contract that covers the full customer journey:

Product selection & pricing
Customers choose the furniture items they want to finance, with automatic price calculations including sales tax, delivery fees, and optional protection plans. The built-in calculator updates totals in real time, so there are no surprises at checkout.

0% APR promotional terms
Clearly present your promotional financing offers—whether it's 6, 12, 24, or 36 months interest-free—with automatic monthly payment calculations based on the items selected and down payment provided. Customers can see exactly what they'll pay each month before they commit.

Down payment calculator
Let customers adjust their down payment amount and instantly see how it affects their monthly installment. This transparency builds trust and helps customers find a payment plan that fits their budget.

Credit application & disclosure
Collect all the information your finance partner or in-house credit department needs: employment details, income verification, housing status, references, and consent for credit checks. The form includes proper legal disclosures and terms acceptance to keep you compliant.

Delivery scheduling
Integrate delivery coordination right into the contract. Customers select their preferred delivery date and time window, provide delivery instructions, and confirm contact details—eliminating the back-and-forth phone tag that usually follows a furniture purchase.

eSignature-ready with Papersign
Once the application is submitted, use Papersign to turn the submission into a legally binding contract. Send the full retail installment agreement for secure eSignature, keeping the signed contract linked to the original application for a clean audit trail and faster onboarding.

Automate your financing workflow with Stepper

After a customer submits their financing application, Stepper—Paperform's AI-native workflow builder—can automatically:

• Route applications to your credit approval team or third-party lender for review
• Trigger approval emails with next steps or send decline letters with alternative options
• Update your CRM (like HubSpot, Salesforce, or Pipedrive) with customer details and deal stage
• Notify your warehouse or delivery team once financing is approved and coordinate fulfillment
• Schedule follow-up tasks for sales reps to check in on delivery or upsell protection plans

This means your team spends less time copy-pasting data between systems and more time closing sales and delivering great customer experiences.

Built for real furniture retail workflows

This template reflects how modern furniture financing actually works. It's designed for stores that:

• Offer promotional financing (0% APR for qualified buyers) through partners like Synchrony, Affirm, Progressive Leasing, or in-house credit programs
• Need to collect accurate credit and employment information to support fast approval decisions
• Want to reduce no-shows and reschedules by capturing delivery preferences upfront
• Sell big-ticket items—bedroom sets, sectionals, dining tables, mattresses—where financing makes or breaks the sale
• Operate both in-store and online, and need a financing form that works on tablets at the point of sale or embedded on their website

Why Paperform is perfect for furniture financing

Furniture financing forms need to feel premium, not like a generic loan application. Paperform's doc-style editor lets you brand every detail—fonts, colours, product images, your logo—so the form feels like a natural extension of your showroom or website.

Because Paperform includes conditional logic and calculations, you can automatically show or hide fields based on customer answers (for example, only asking for co-applicant details if they select "joint application"), calculate monthly payments on the fly, and apply promotional terms based on purchase amount—all without a single line of code.

For growing furniture retailers, Paperform's SOC 2 Type II compliance, data residency controls, and secure submission handling mean you can confidently collect sensitive financial information while meeting industry standards. Plus, with over 30,000 designer templates and trusted by 500K+ teams worldwide, you're joining a platform built for businesses that take forms and automation seriously.

Perfect for these roles and industries

• Furniture store owners and managers who want to offer competitive financing without adding complexity
• Sales associates who need a simple, tablet-friendly financing form to use on the showroom floor
• E-commerce managers at online furniture retailers looking to reduce cart abandonment with clear financing options
• Finance and operations teams at home goods retailers who need clean data collection and CRM integration
• Mattress stores, appliance retailers, and home improvement showrooms that rely on installment plans to close high-value sales

This template gives you everything you need to modernize your furniture financing process, improve approval rates, and create a premium buying experience that turns browsers into buyers.